Signal Iduna Asigurare Reasigurare S.A.
SIGNAL Car
SIGNAL Car is a motor casco insurance for the Romania market with no online purchase and 24/7 assistance.
Direct payment
Direct payment between SIGNAL IDUNA and authorized partner repair shops (service parteneri); for repairs at non-partner RAR-authorized units, reimbursement applies subject to policy conditions.
Geographic scope
Romania
Romania (territorial scope per policy conditions; international scope not confirmed from official product sources)
Unique selling points
- Roadside assistance is always included at no extra cost, covering towing, overnight vehicle storage, driver/passenger accommodation, and home transport.
- Glass damage is covered as a standard included benefit without additional premium, unlike many competitors who charge it as an add-on.
- Original manufacturer spare parts are guaranteed at repairs, ensuring full-quality restoration of the insured vehicle.
- No deductible is applied when the policyholder is not at fault in an accident and claims via their own CASCO policy.
- 24/7 call center available for claim notification and assistance, with an online damage notification portal at daune.signal-iduna.ro.
Coverage limits
Own Damage (Collisions, Fire, Natural Perils, Animals)
Covered
Covers damages to the insured vehicle resulting from collisions, impacts, overturning, skidding, scratches, objects falling on the vehicle, fire, explosions, natural perils, and damages caused by animals while the vehicle is in motion. No monetary sub-limit stated in official sources; indemnity is up to the insured sum.
Total Loss
Covered
Total loss is covered as part of the base own-damage coverage. No separate monetary limit is stated; compensation is up to the insured sum of the vehicle as set at policy inception.
Partial Loss
Covered
Partial damage to the insured vehicle is covered under the base plan, including scratches, dents, and other partial damage from covered perils. Repairs are guaranteed with original manufacturer parts. No monetary sub-limit stated.
Theft and Burglary
Covered
Covers total theft of the vehicle and partial theft by break-in (theft of component parts, pieces or additional equipment from inside the vehicle). Coverage for theft requires retention of the complete set of original vehicle keys. No monetary sub-limit stated; indemnity up to the insured sum.
Glass Damage
Covered
Coverage for damages caused exclusively to glass elements (windscreen, windows) of the insured vehicle. Included without additional premium payment as per the product benefits table.
Natural Perils
Covered
Covers vehicle damage caused by natural perils (floods, hail, storms, etc.) as part of the base Avarii plan. Also includes coverage for vehicle entry into flooded areas as an optional add-on (with additional premium).
Vandalism
Covered
Covers vehicle damage caused by vandalism (including damage caused by animals while the vehicle is stationary, which requires an additional premium). Vandalism is included in the base Avarii plan; animal damage while stationary is an optional add-on.
Roadside Assistance 24/7
Covered
Always-included 24/7 roadside assistance for vehicles up to 3.5 tonnes maximum authorized weight. Services include: on-site repair or towing to the nearest authorized service unit, safe overnight/weekend vehicle storage, accommodation for driver and passengers, transport of driver and passengers home, and transport of a person to recover the vehicle.
Replacement Vehicle
Not offered
No replacement/courtesy vehicle benefit is mentioned in official product sources for SIGNAL Car (persoane fizice). Roadside towing and transport services are provided via roadside assistance but do not constitute a replacement vehicle.
Driver and Passenger Accident Coverage
Optional
Acoperire pentru accidente personale ale șoferului și pasagerilor, disponibilă ca clauză suplimentară. Include: deces ca urmare a unui accident, invaliditate permanentă totală sau parțială, spitalizare și intervenții chirurgicale. Indemnizațiile pentru deces și invaliditate permanentă se calculează ca procent din suma asigurată, conform detaliilor din polița de asigurare. Cheltuielile medicale sunt acoperite în limita sumei asigurate pe persoană.
Key conditions
Driver age and experience limit
No minimum driver age or experience requirement is explicitly stated in official product sources for SIGNAL Car (persoane fizice). Policy pricing factors include driver age and experience history, but no blanket restriction is published.
Repair network requirements
Repairs may be carried out at: (1) SIGNAL IDUNA partner repair shops — direct payment between insurer and shop, no reimbursement needed; (2) any RAR-authorized repair unit — subject to reimbursement per policy conditions; (3) own arrangement — reimbursement requests may be sent to dosarecasco@signal-iduna.ro. Partner network list available on official website.
Territorial scope
Territorial coverage is per policy conditions. The official product sources (persoane fizice) do not explicitly confirm international/Green Card territorial scope; territorial limits should be verified in the individual policy document.
Anti-theft requirements
Theft coverage requires the policyholder to retain the complete set of original vehicle keys (2 or more original keys). Loss of the complete key set may invalidate theft claims. Theft events must be reported to the police.
Claim notification deadline
The policyholder must notify the insurer (by phone via Call Center or by email at the dedicated address) about the insured event in accordance with the deadlines stated in the insurance conditions. For theft and vandalism, police notification is mandatory. Damage claims portal: daune.signal-iduna.ro or phone 0312 248 601 (24/7).
Deductible rules
Standard deductible applies per policy conditions. An optional 'Major Damage Clause' (Clauza daune majore) reduces the premium in exchange for a fixed deductible of 500 EUR (or RON equivalent for RON-denominated policies) applied to each covered claim. If the policyholder is not at fault in an accident, the CASCO deductible is not applied.
Where to buy
Documents
SIGNAL Car CASCO – Product Benefits Table (individuals)
benefits_table
Policy specifics
Passenger Accident Coverage
Optional additional coverage for vehicle passengers covering death, disability, hospitalization and surgical interventions resulting from accidents
Major Damage Deductible Clause
Optional clause that reduces the insurance premium where insured damage claims are reduced by a fixed deductible of 500 EUR (or equivalent in RON for RON-issued policies)
Full Keys Set Requirement for Theft Coverage
Theft risk is only covered if the policyholder retains the complete set of original vehicle keys (consisting of 2 or more original keys). Loss of keys may invalidate theft coverage
Authorized Repair Service Network
Signal-Iduna collaborates with an extensive network of authorized partner repair shops. Repairs in network shops are covered directly with no deductible applied; repairs outside the network may require reimbursement within policy limits
No-Fault Accident Deductible Waiver
If the policyholder is not at fault in an accident, they can claim from the third party's insurer or use their own CASCO coverage without deductible application
Claim Settlement Timeline
According to policy conditions, claims must be settled within a maximum of 30 days from receipt of a complete and valid claim file
Original Manufacturer Parts Coverage
Original parts and accessories mounted by the manufacturer are covered under the policy. Replacement parts are guaranteed according to policy conditions